Employers today have to work harder to attract and retain good quality employees. One of the best ways to do this is to offer group health insurance plans that appeal to your pool of candidates and employees. But not every business can offer the top tier of benefits to everyone.
One solution you may not have learned about is to offer different plans to different groups of employees. What should you know about this option? Read More»
For many Americans who have the dream of retiring early, health insurance is one of the biggest obstacles standing in their way. If insurance coverage is keeping you tied to your 9-5 lifestyle, a high deductible health plan could be a good solution. How might this type of health insurance help you stay on track for retirement? And how can you avoid common pitfalls? Here’s what you need to know. Read More»
If you have recently turned 65 years old or are younger but have a chronic illness, you most likely qualify for Medicare. This insurance program is sponsored by the government and is designed to cover some of the costs you would ordinarily have to pay for hospitalization or doctor’s visits. It’s great to have Medicare because of the protection it provides, but it’s important to note that Original Medicare (OM) may not be sufficient if you deal with certain issues. Read More»
When you officially retire, you might have to forgo access to benefits you enjoyed while you were still working. You especially may no longer be able to afford to pay for the health insurance your employer offered you as an employee.
Instead, you might have to find something that will make using your Medicare policy more affordable. You may get lower costs and easier access to healthcare services when you take out a Medicare supplement plan after you retire. Read More»
Suppose you have Medicare insurance coverage. In that case, you are aware of the healthcare costs your policy covers. The important thing to note is Medicare provides coverage for some, but not all, medical expenses. Fortunately, you can use medical supplement insurance (Medigap) to cover anything excluded by Medicare, including copayments, coinsurance, and deductibles. That means this insurance policy steps in after Medicare has made payments and then pays all or a part of the remaining costs. Read More»
